contacted over very old debt

[shadow8131]

H i i love this forum i have used advice on here many times,

my problem is many years ago i had a bank account that ran into trouble i was made unemployed moved from the area etc etc,that was over twenty two years ago and for the last 20 years i have not been contacted paid or acknowledged any debt....then recently a company contacted me after being bought by another company saying they now manage the debt and if i pay half the amount it will clear the debt

then i received a phone message on my mobile(how did they get my mobile) asking if it was me i just ignored that message......

my question is i know its statue barred but i was reading about a statue demand....

do i meed to worry ...

any help will be greatly appreciated

 

thanks in advance

 

shadow8131

[renegadeimp]

Ignore it. Should something of actual substance come along, and not a begging letter, then you can send the the SB missive.

[shadow8131]

thank you very much for the quick reply....the amount of info this site has helped me with i will become a donater......

[Desperate Daniella]

Hi shadow8131,

 

If the debt is over 22 years old and you haven't made any payment at all for the past 20 years it is definitely statute barred.

 

A Statutory Demand is something quite different and often used by unscrupulous debt collectors when they actually have no physical proof that a debt is owed. They do this to try and avoid issuing County Court proceedings, and they hope that the debtor won't defend. Thankfully with advice from CAG many people have defended them successfully. I'd be astonished if even the most blatant of debt collectors would try that for a debt that is over 20 years old.

 

You have nothing to worry about. If they call again tell them it is statute barred and they won't be getting a penny and if they continue to call you will report them for harassment.

 

DD

[shadow8131]

thanks...yes that's true over twenty years my credit file is very good and that was my only default....thanks for the advice

[renegadeimp]

woah. Wait a min. Is there a default on your credit file for this debt? Or do you mean default in the simple context, as its the only debt you havent paid?

[fkofilee]

woah. Wait a min. Is there a default on your credit file for this debt? Or do you mean default in the simple context, as its the only debt you havent paid?

 

Think they mean the only default they have ever had...

Id like to know who the DCA is... If they say that they have recently been bought, Could be Lowell & Freds or Hoist With Robinson Way

[shadow8131]

No only default ever....it was on my credit file then but my file had been good for over 20 years

[shadow8131]

I can't remember much(i binned the letter)I know the main company is arrow global handled by a their external company called clarity

[Desperate Daniella]

You could be right, but there are a lot of pond bottom feeders out there who even make that lot look like they are running a proper business-like operation.

 

Newmans and people like that.

 

There are quite a lot floating around at the moment chancing their arm by bullying people. There is one chasing someone on another thread who wants money but won't even say who is acting for!

[shadow8131]

Well as people have said it's been over twenty years for anything and I will Have to send a statue barred letter if contacted again and report for harassment....but I don't like the way they got my mobile I asked to be off the directory....

[renegadeimp]

They can get it from any number of sources. If they continue to call, send arrow the telephone harassment letter and the SB letter.

 

Or just get your provider to block the call.

[shadow8131]

Will do....thanks for that......I'll just block the number first .....

[fkofilee]

Clarity Credit Management with Arrow Global.... Wonderful!

Tell them where to go

[Desperate Daniella]

Here is another thread mentioning Clarity - I've never come across them before in five years here!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?83329-Clarity-Very-Strange-Letter!

 

I don't think you have much to worry about. Please note post 7 on the thread.

 

DD

[shadow8131]

Thanks that was interesting about Clarity.....now I'll just wait and see and take the advice given....thank you all for your advice....